Credit Card Compare

HSBC Revolution Credit Card

Data last updated 7 October 2026
27.80%
Purchase rate
S$0
Annual fee
42,000
Bonus points
Application

CardIQ

70Strong

Strong

Overall score, out of 100 · How this works

  • No annual fee60
  • Rewards79

Customer reviews

No reviews yet. Be the first to review the HSBC Revolution Credit Card.

Pros & cons

What's good

  • 42,000 bonus points to start, worth around S$250 at our 0.6c-per-point valuation.
  • No annual fee.
  • Complimentary travel insurance.
  • Earns 10 points per S$1 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • HSBC is currently waiving the annual fee.
  • Earns 1 point per S$1 on everyday spend, around the dataset average.
  • The 10-point rate on bonus categories applies only to the first S$1,000 spent each month, then drops to a lower rate.
  • Up to 20 interest-free days on purchases (below the 22.5-day median).

Card details

The basics

Additional cardholder fee
S$0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HSBC Reward points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$65,000 p.a.
Residency
Singaporean, Singapore PR or foreigner; SGD65,000 for new HSBC customers (and for existing customers with TRB under SGD50,000 and for foreigners); SGD30,000 salaried or SGD40,000 self-employed for Singaporean/PR existing customers with TRB of SGD50,000 or more
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
28.50% p.a.
Purchases
27.80% p.a.

Fees

Additional cardholder fee
S$0
Annual fee
No annual fee
Cash advance fee
8% of the amount
Foreign transaction fee
2.25%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 20 days on purchases
Minimum repayment
100% of monthly instalment amounts, plus 100% of any interest, late fees, annual fees and overlimit fees, plus 1% of the remaining balance (the last two parts at least S$50 in total), plus any excess over the credit limit; a balance under S$50 is due in full

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1 pt per S$1
Bonus categories
10 pts per S$1 in bonus categories, up to S$1,000 per month
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
37 months: points are valid for 37 months from the month after the month they were awarded

Sign-up bonus

Bonus spend required
SGD1,000 from card account opening to the end of the following month (new HSBC cardholders; promotion 1 October to 31 December 2026)
Sign-up bonus
42,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeS$0Best in market (1st of 10 cards)
Overseas fee2.25%Best in market (1st of 10 cards)
Purchase rate27.80%Top 25% (3rd of 10 cards)
Rewards valueS$216 a yearNot as good as most cards (5th of 6 cards)
Interest-free days20 daysAmong the weakest we track (7th of 8 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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How CardIQ scores cards
Issuer
HSBC